 Borrowing money from your 401k, borrowing money from the money that you're going to need when you retire, that is the lie. That is not a good emergency savings plan. So you want to make sure you've got an emergency savings. Robin and I, most advisors will tell you that you need six months. Robin and I like to see nine to 12 months. That doesn't mean you need to have nine to 12 months worth of cash on hand.